Tokenless biometric electronic rewards system
DCFirst Claim
1. A method for tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, said method comprising the steps of:
- a. a recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample;
b. an issuer registration step, wherein the issuer registers identification data with the electronic identicator;
c. a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, wherein the bid biometric sample is obtained from the issuer'"'"'s person;
d. at least one transmission step, wherein the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator;
e. a recipient identification step, wherein the electronic identicator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the recipient;
f. an issuer identification step, wherein the electronic identicator compares the issuer'"'"'s bid identification data with an issuer'"'"'s registered identification data for producing either a successful or failed identification of the issuer;
wherein upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient'"'"'s rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.
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Abstract
The method of the invention includes a tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, the method comprising the following steps. A recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample. An issuer registration step, wherein the issuer registers identification data with the electronic identicator. During a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, the bid biometric sample is obtained from the issuer'"'"'s person. In at least one transmission step, the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator. In a recipient identification step, the electronic identicator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the recipient. In an issuer identification step, the electronic identicator compares the issuer'"'"'s bid identification data with an issuer'"'"'s registered identification data for producing either a successful or failed identification of the issuer. Thereby, upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient'"'"'s rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.
471 Citations
20 Claims
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1. A method for tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, said method comprising the steps of:
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a. a recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample; b. an issuer registration step, wherein the issuer registers identification data with the electronic identicator; c. a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, wherein the bid biometric sample is obtained from the issuer'"'"'s person; d. at least one transmission step, wherein the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator; e. a recipient identification step, wherein the electronic identicator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the recipient; f. an issuer identification step, wherein the electronic identicator compares the issuer'"'"'s bid identification data with an issuer'"'"'s registered identification data for producing either a successful or failed identification of the issuer;
wherein upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient'"'"'s rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method for processing tokenless electronic reward-units transfer to a recipient using an electronic identicator and at least one recipient biometric sample, comprising;
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a. creating an electronic registry of reward units, having the reward-units disbursed to a recipient based upon the occurrence of predetermined criteria; b. a recipient registration step, wherein the recipient registers with the electronic identicator at least one registration biometric sample; c. a recipient identification step, wherein the identicator compares a recipient bid biometric sample with at least one previously registered biometric samples for producing either a successful or failed identification of the recipient; and d. recipient reward-units issuance step, wherein upon successful identification of the recipient, an electronic reward transaction is conducted without the recipient using any tokens such as plastic cards or man made portable memory devices such as smart cards, or magnetic stripe cards to receive the rewards units. - View Dependent Claims (15)
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16. A device for tokenless transaction of electronic reward-units transfer to a recipient using at least one recipient biometric sample, comprising;
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a. an electronic identicator for comparing the bid and registered biometric samples of a recipient of reward units, and for comparing the bid and registration identification data of an issuer of reward units; b. a party identification apparatus for submission of the recipient'"'"'s biometric samples and the issuer'"'"'s identification data; c. an electronic reward registry of reward units, having the reward-units disbursed to a recipients based upon the occurrence of predetermined criteria; d. a recipient rewards account for storage of accrued reward units; and e. an execution module for debiting and crediting the recipient reward account based upon the occurrence of predetermined criteria, wherein no man made tokens such as cards or smartcards are presented for the transaction. - View Dependent Claims (17, 18, 19, 20)
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Specification